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Compare high credit limit credit cards

A high credit limit can offer more flexibility and purchasing power.

A high limit credit card is commonly defined as a card with a credit limit of at least $10,000. Some of the best cards for people with excellent credit typically have a limit above this amount — often as much as $100,000 or more by some reports.

High limit credit cards

Your card’s credit limit mostly depends on your credit score, utilization rate and debt-to-income ratio. With a good to excellent credit score, you can expect to land a credit limit between $5,000 and $50,000. However, some credit cards can go way higher.

In the table below, we list the maximum credit limit that some cardholders have received. There’s no guarantee you’ll get the same amount; You may get a higher or lower credit limit than what they got.

Minimum limitReported maximum limit
Blue Cash Everyday® Card from American Express$500$100,000+ with pushing but $25,000 seems more likely
Blue Cash Preferred® Card from American ExpressN/A$100,000+ with pushing but $25,000 seems more likely
The Platinum Card® from American ExpressN/A$100,000+ with pushing but $25,000 seems more likely
First Tech Odyssey Rewards™ World Elite Mastercard®$25,000$100,000
Chase Sapphire Reserve®$10,000$100,000
Bank of America® Customized Cash RewardsN/A$90,000
United Club℠ Infinite Card$15,000$80,000
Chase Sapphire Preferred® Card$5,000$65,000
Citi Prestige® Credit Card$5,000$60,000
Delta SkyMiles® Gold American Express CardN/A$50,000
Capital One Venture Rewards Credit Card$5,000$50,000
Luxury Card Mastercard® Black Card™N/A$25,000
Discover it® Cash Back$500$25,000
Chase Freedom Unlimited®$500$24,000
Petal® 2 "Cash Back, No Fees" Visa® Credit Card$500$10,000
Capital One QuicksilverOne Cash Rewards Credit Card$300$5,000

Compare high credit limit credit cards

There’s no way to guarantee you’ll get a high credit limit before applying for a card. However, these cards tend to come with higher-than-average limits according to our readers.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
14.99% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Delta SkyMiles® Gold American Express Card
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on other eligible purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 70,000 bonus miles after you spend $2,000 in purchases on your new card in your first 3 months. Terms apply, see rates & fees
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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How does the credit limit on a credit card work?

When you’re approved for a credit card, your provider will assign you a credit limit. This amount is based on your credit profile — including factors such as your payment history and income — and is not guaranteed. You can use your card to spend up to the limit, decreasing your available credit. If you want to spend more, you must pay off your purchases to increase your available credit.

Premium, high annual fee cards tend to have the highest credit limits. These products are designed for consumers with strong earning power and heavy spending, so they typically have stricter minimum income and credit requirements.

What are high credit limit credit cards used for?

A card with a high limit can be useful if you have large purchases in mind, or if you want to consolidate a lot of debt onto a card with a balance transfer offer. With a high limit card, you may have the spending flexibility to earn more rewards.

While these cards increase your borrowing power, it’s important to remember you have to repay everything you’ve charged. You’ll accumulate interest if you don’t pay off your balances within your grace periods. If you struggle to repay your balance in full each month or have a tendency to overspend, a high limit card may not be ideal.

How to compare high credit limit cards

Here are a few of the top considerations to keep in mind while you hunt for a high limit card.

  • Spending habits. If you regularly repay your balance in full, a high limit card could help you manage your expenses and give you breathing room in case of emergencies. But if you regularly exceed your budget or don’t always repay your balance in full, a high credit limit could lead you into heavy debt.
  • Request a credit limit increase. If you want a higher credit limit, you might not need to apply for a new card. As long as your account is in good standing, you regularly pay your balance on time and you have an income to support the increase, you have a chance of approval.
  • Eligibility. Banks will take a close look at your spending history before approving you for a high limit card or credit limit increase. They will also look at your credit score and annual income to evaluate your application and decide on a credit limit.
  • Interest rate. If you’ll carry a high balance month to month, you may want a card with a low-interest rate. But if you always pay your balance on time, the APR won’t have any impact on your account.
  • Rewards Pick a card that rewards you for your typical spending. If you’re a globetrotter, for example, you might like a travel card. If you spend in many different categories, you might like a cashback card.

Pros and cons of high limit credit cards

Pros

  • More spending power. Applying for a higher credit limit will increase your ability to spend. This could be a natural solution if you’re struggling to cover your expenses with your current credit limit.
  • Consolidate card debt. If you have debt on one or several credit cards, moving them onto a high limit card — especially one with a 0% intro APR — could make it easier to manage repayments.
  • More potential rewards. A higher limit may let you pay for more of your everyday expenses on plastic, potentially netting you more rewards.
  • Useful for business expenses. Business cards often have limits that exceed those of personal cards.

Cons

  • Dependent on income. Your credit limit increase or credit card application will depend on your credit history and income. If you don’t meet the minimum requirements, you might not be approved.
  • Temptation to spend. A higher credit limit could tempt you to spend more than you can afford to repay each month. Remember that you’ll have to repay everything you spend, possibly with interest.
  • Interest charges. By carrying a high balance on your card, you could find your debt snowballing fast — even if your card has a reasonable interest rate.
  • Annual fees. Premium credit cards with high credit limits tend to have significant annual fees. Weigh these costs against included benefits to decide if a card is worth paying for.

Bottom line

High limit cards can give you more spending freedom, but they may also tempt you to accumulate debt. Consider your personal circumstances and compare the best cards so you can choose a product that works for you.

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